Benefits packageEffective 1/1/2020

Securian Financial’s success is the direct result of the hard work and dedication of our associates. We reward hard work with competitive compensation and benefits that will help provide financial security now and into the future.Securian Financial is proud to offer you an extensive total package of opportunities for growth along with quality benefits to help make your life and work more enjoyable and rewarding.

Your comprehensive benefits package enhances your cash compensation by an estimated 40 percent.

Attached is a summary of our benefit plans — more information will be available your first week at Securian Financial.

Human Resources

General information 2

Health plans 3

Paid time off 6 and leaves

Financial wellness 10

Additional 14 workplace benefits

Benefits package 2

General information

Your benefit choicesYour benefit choices are based on your employment status.

• Full-time benefits: Full-time employment status

• Part-time Enhanced benefits: Part-time employment status 30-39 hours per week

• Part-time Base benefits: Part-time employment status 20-29 hours per week

If eligible, you can cover your dependents too. Generally, that includes:

• Your spouse

• Your children or stepchildren, to age 26

• Your dependent grandchildren to age 26 for whom you provide over one-half of their support

Please note, dependent verification is needed within the first 31 days to cover your dependent(s).

When do I enroll?While some Securian Financial benefits are automatic, many require that you enroll within 31 days of your hire date (i.e., medical, dental, vision, tax advantage accounts). If you miss this enrollment window, your next opportunity is annual enrollment the next fall, unless you have a life event that allows you to make changes mid-year.

Online enrollment will become available on your first day of hire through Workday. A benefits specialist will provide an overview as a part of your first week onboarding schedule. Our Human Resources team is here to help answer your questions.

Your Human Resources team can be reached via email at humanresources@securian.com or by phone at 651-665-3507.

Benefits package 3

As an active associate, you will make your elections in Workday. Your coverage will be effective on your start date. Premium rates listed below are shown on a monthly basis. Your Medical/Dental/Vision premiums will be spread evenly, from each paycheck

Medical coverageEligibility: Full-time, Part-time Enhanced and Base

Securian Financial offers two medical plans: a Preferred Provider Organization (PPO) and a High Deductible Health Plan (HDHP). Both health plan options are administered by HealthPartners and offer a comparable range of coverage and quality services. The key differences in the plans are when and how you pay for healthcare — take some time to understand how each plan works, one may be more appropriate for your personal situation or preference.

Tools to compare the plans are available after your first day, by visiting the Medical section on Sync. Look for the medical plan comparison and the Plan for Me online tool through HealthPartners.

You and your family will have the same nationwide health insurance coverage with both plans. Confirm your provider is in-network at www.healthpartners.com/securian.

Coverage will be effective on your date of hire as long as you enroll within 31 days of hire. Your medical card(s) and pharmacy card will be mailed to your home address two weeks after enrollment. The following plans are available to you:

Preferred Provider Organization (PPO)

The PPO is a plan with a lower deductible and higher monthly premiums. A PPO plan can be combined with a medical flexible spending account, which allows you to pay for certain medical expenses with pre-tax dollars within the plan year.

High Deductible Health Plan (HDHP)

The HDHP is a plan with lower-premiums and higher deductible, which means you pay less out-of-pocket each month for premiums and more at the point of care (medical and pharmacy) before the plan pays for services that are not considered preventive. The HDHP is combined with a Health Savings Account (HSA), which allows you to pay for certain medical expenses with pre-tax dollars.

Pharmacy

Prescription drug coverage for the medical plans is administered by Express Scripts. When you enroll in the PPO or HDHP, you are automatically enrolled in prescription drug coverage through Express Scripts. You have access to prescription medications through both retail pharmacies and a mail-order program via Express Scripts Pharmacy.

Under the PPO prescription plan, generic, brand formulary and brand non-formulary drugs are covered at a fixed percentage of the total cost each time you fill a prescription, and are subject to minimums and maximums to limit the amount you will spend on a prescription.

Health plans

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Under the HDHP prescription plan, you must pay all out-of-pocket costs for prescription drugs until you meet your annual deductible (combined with medical). There are limited exceptions for certain preventive drugs that do not require you to meet the deductible.

Medical premiums

Securian Financial pays approximately 70 to 75 percent of the cost of medical premiums. Listed below are associates’ monthly premium rates, but as a reminder, premiums will be deducted evenly from every paycheck.

Full-time and part-time enhanced

Coverage level PPO HDHP

Associate only $140 $91

Associate + child(ren) $306 $201

Associate + spouse $387 $256

Associate + family $547 $376

Part-time base

Coverage level PPO HDHP

Associate only $280 $182

Associate + child(ren) $612 $402

Associate + spouse $774 $512

Associate + family $1,094 $752

Dental coverageEligibility: Full-time, Part-time Enhanced and Base

New associates are eligible to enroll in the Company’s dental plan, which is administered by Delta Dental. Coverage will be effective on your date of hire as long as you enroll within 31 days of hire. Securian Financial pays approximately 50 percent of each associate’s dental insurance premium. The type of service coverage ranges between 50-100 percent.

Coverage level Monthly premium

Associate only $18.50

Associate + child(ren) $45.00

Associate + spouse $39.00

Associate + family $67.50

Your dental card will be mailed to your home address two weeks after enrollment.

Health plans

Please visit the Dental section on Sync for more details.

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Vision coverageEligibility: full-time, part-time enhanced and base

New associates are eligible to enroll in the Company’s vision plan, which is administered by VSP. Coverage includes eye exams, lenses (including contacts), frames, and discounts for laser vision surgery. Coverage will be effective on your date of hire as long as you enroll within 31 days of hire.

Coverage level Monthly premium

Associate only $8.48

Associate + child(ren) $18.24

Associate + spouse $16.96

Associate + family $29.14

No card is necessary for Vision coverage. Notify your provider you are covered under VSP.

Other wellness benefits

Frequent fitness

Eligibility: associate enrolled in a Securian Financial medical plan

If you are enrolled in a Securian Financial medical plan, you can save money at your favorite gym. Working out 12 days a month will save you up to $20 on your monthly gym membership.

Wellness program

Eligibility: All associates

Securing Your Health is designed to help you make informed decisions about being active, eating wisely and maintaining a healthy lifestyle. With confidential resources at your fingertips you will be able to access information to help guide you to the best you!

Retiree medical coverage

Eligibility: Retirement eligible associates

A retiree medical benefit is available to each associate who is eligible to retire from Securian Financial under the terms of the defined benefit pension plan. In general, Securian Financial’s contribution amount toward your retiree medical premiums will be determined based on your years of participation.

Health plans

Please visit the Vision section on Sync for more details.

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Vacation timeEligibility: Full-time, Part-time Enhanced and Base

New associates are eligible for vacation after three full months of service have been completed.

During future years, new vacation time is awarded on January 1 and associates are granted additional hours based on their tenure with the company.

Full-time

Years of employment Full-time vacation days (in hours)

1st anniversary 88

2nd anniversary 96

3rd anniversary 104

4th anniversary 112

5th – 10th anniversary 120

11th anniversary 128

12th anniversary 136

13th anniversary 144

14th anniversary 152

15th – 24th anniversary 160

25th anniversary 200

If your hire date is after July 31, you will not receive any vacation for the current calendar year. However, you will receive vacation days next year (your first anniversary year) upon completion of four months of employment.

Month hired Full-time benefits vacation hours (in hours)

Enhanced benefits vacation hours (in hours)

Base benefits vacation hours (in hours)

January 84 56 35

February 72 48 30

March 60 40 25

April 48 32 20

May 36 24 15

June 24 16 10

July 12 8 5

August – December 0 0 0

Part-time

Years of employment Enhanced benefits vacation hours (in hours)

Base benefits vacation hours (in hours)

1st – 6th Anniversary 60 40

7th or more 84 56

Paid time off and leaves

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Paid time off and leaves

Personal timeEligibility: Full-time, Part-time Enhanced and Base

Securian Financial wants you to have the flexibility to take time off for what is important to you. You may wish to take time off for holidays or special occasions that are not a part of the paid holiday schedule, you may decide to use your personal time as additional vacation or take time off due to an illness.

New hires are eligible for this program after their first day of work. In future years, full-time associates receive 80 hours, part-time enhanced will receive 60 hours and part-time base associates will receive 40 hours. Unused personal days can be carried over into a new calendar year, with a maximum carryover of 120 hours for full-time, 90 for part-time Enhanced and 80 hours for part-time Base.

The number of days available are pro-rated in your first year, depending on your date of hire. Review the schedule below.

Month hired Full-time benefits personal time (in hours)

Part-time enhanced benefits personal time (in hours)

Part-time base benefits personal time (in hours)

January 72 54 36

February 66 50 34

March 60 46 32

April 54 42 30

May 48 39 28

June 42 36 26

July 36 33 24

August 30 30 22

September 24 24 18

October 18 18 14

November 12 12 8

December 8 6 4

Paid holidaysEligibility: Full-time, Part-time Enhanced and Base

Securian Financial will provide six and one half holidays in 2020. New hires are eligible immediately for holiday pay. These are the days when the Company is closed but you will receive regular pay, unless noted otherwise. If you are FT, you will be paid eight hours for full days and four hours for half days. If you are PT, you will be paid four hours for full days and two hours for half days.

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2020 Holiday schedule

New Year’s Day Wednesday, January 1

Memorial Day Monday, May 25

Independence Day Friday, July 3

Labor Day Monday, September 7

Thanksgiving Day Thursday, November 26

Christmas Eve Day (1/2 day – offices close at noon)

Thursday, December 24

Christmas Day Friday, December 25

Volunteer Paid Time Off (VPTO)Eligibility: Full-time, Part-time Enhanced and Base

Community involvement is an important part of many associates’ lives. With VPTO, we support you in the activities you choose for your personal volunteer efforts. VPTO hours renew each year.

• Full-time associates — 8 hours

• Part-time enhanced associates — 6 hours

• Part-time base associates — 4 hours

Parental leaveEligibility: Full-time, Part-time Enhanced and Base

Eligible associates have up to 16 weeks of leave following the birth or adoption of a child. Associates that are new parents receives four weeks of paid parental leave at 100 percent of their base salary. For birth mothers, this is in addition to medical maternity leave, which is typically six weeks and is paid with extended illness and/or short-term disability. Associates can use a combination of vacation, personal days or unpaid time off for the remainder of the 16 weeks. This program is entirely paid for by Securian Financial.

Short-term disabilityEligibility: Full-time, Part-time Enhanced and Base

This program provides a monthly income equal to 60 percent of your salary. If needed, you would continue to receive short-term disability until you return to work or you become eligible for long-term disability. New hires are eligible to participate in this plan immediately. This program is entirely paid for by Securian Financial.

Paid time off and leaves

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Paid time off and leaves

Extended illnessEligibility: Full-time, Part-time Enhanced and Base

This program provides a continuing salary at your current rate of pay while you are unable to work due to injury or illness or while caring for a seriously ill dependent. Under the Extended Illness Program, you would receive 100 percent pay until you return to work or use all of the days available. Associates earn one week (up to a maximum of 25 weeks) with each year of employment beginning with their second year of employment. This program is entirely paid for by Securian Financial.

The maximum combined benefit duration for extended illness and short-term disability is 25 weeks.

Long-term disabilityEligibility: Full-time associates

This plan provides a monthly income, equal to 60 percent of your pre-disability monthly salary, if you become permanently and totally disabled. New hires are eligible to participate in this plan after completing 90 days of full-time employment. This plan is entirely paid for by Securian Financial.

Voluntary unpaid time offEligibility: Full-time, Part-time Enhanced and Base

This program provides an opportunity to take up to 26 days of unpaid time off in a year.

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Tax advantage accountsThese plans allow you to set aside part of your salary – before taxes – to pay for eligible expenses. By paying for these expenses with pre-tax dollars, your taxable income is reduced, ultimately reducing the taxes you pay. Coverage will be effective on your date of hire for the FSAs if you enroll within 31 days of hire.

You are eligible for the Health Savings Account (HSA) as of the 1st of the month following your enrollment in the HDHP.

Health Flexible spending account (Health FSA)

Eligibility: Full-time, Part-time Enhanced and Base

• You can set aside up to $2,700 per year for health expenses

• Enrollment in Securian Financial’s PPO medical plan is not required to participate in the Health FSA

Limited Health Flexible spending account (LFSA)

Eligibility: Full-time, Part-time Enhanced and Base

• You can set aside up to $2,700 per year for dental and vision expenses

• You are eligible if you are enrolled in the HDHP medical plan.

Health Savings Account (HSA)

Eligibility: Full-time, Part-time Enhanced and Base enrolled in the HDHP and meet IRS requirements

• You can set aside pre-tax dollars for health expenses (including medical, dental and vision) and unused dollars carry over year over year

• Company contribution of $5001 for associate only coverage and $1,0001 for all other levels of coverage

Dependent Care Flexible spending account (DFSA)

Eligibility: Full-time, Part-time Enhanced and Base

• You can set aside up to $5,000 per year for Daycare expenses

• Enrollment in a Medical plan is not required.

Financial wellness

1. Both company and associate contribution(s) will be pro-rated based on the number of months you are enrolled in the HDHP.

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401(k) PlanEligibility: all associates

Your contributions

New hires are eligible to make before-tax and Roth(k) after-tax payroll contributions beginning on the first of the month following their hire date. New associates may contribute up to 90 percent ($19,500 maximum and $6,500 for “catch-up contributions” in 2020) in their first calendar year of hire. Thereafter, if in the previous year your annual compensation is $130,000 or greater, your maximum contribution is limited to 8 percent instead of 90 percent. Your contributions are 100 percent vested.

Company contributions

The company contribution has a range from 0 - 10 percent of eligible earnings, with a target of 5 percent. The amount is based on Company results compared to goals related to earnings, sales and service. You are eligible for the company contribution if you are employed on December 31 and have been paid for at least 1,000 hours during the year.

All associates receive the Company Contribution regardless of their personal 401(k) contributions. You are not required to contribute to the plan to receive the company contribution.

The company contribution is made up of two components:

DB pension planEligibility: All associates

One of the many advantages you will enjoy as an associate is participation in Securian Financial’s defined benefit (DB) pension plan, called the Retirement Plan. In a defined benefit plan, eligible employees are paid a specific and stable income for life, beginning at their retirement.

Once you have completed 1,000 hours in your first employment year or in any calendar year following your date of hire, you are eligible as a plan participant on January 1 or July 1 following or coinciding with your hire date or your 21st birthday, whichever is later.

Financial Wellness

Automatic savings• Equal to one half of the overall

company contribution

• Automatically deposited into your 401(k) account

• Eligible for this portion the first of the month following your hire date

Optional savings• Equal to the other half of the company

contribution

• Option to defer the contribution into your 401(k) or elect to receive in cash

• Eligible for this contribution in the third year you receive the automatic savings portion

Company contribution

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Associates are 100 percent vested after working 1,000 hours in each of five calendar years. Upon retirement, your eligible compensation, along with years of participation in the plan, are used to determine your monthly retirement income. This DB pension plan is entirely paid for by Securian Financial and will provide a lifetime of monthly income after retirement.

Benefit plan design

Additional insurance protection Eligibility: Full-time, Part-time Enhanced and Base

Securian Financial offers several types of insurance designed to help protect you and your family from what you can’t plan for– unforeseen events that can have a lasting impact on your family’s finances and quality of life.

Basic Group Life insurance

Basic Group Life coverage will be effective immediately. This plan is paid for by the Company.

• Full-time benefit level – this coverage equals one times your annual base salary

• Part-time Enhanced benefit level – this coverage would provide term insurance on your life equal to your hourly rate multiplied by 1,560 hours

• Part-time Base benefit level – this coverage would provide term insurance on your life equal to your hourly rate multiplied by 1,000 hours

Dependents Life, Group Universal Life and Variable Group Universal Life coverage, if elected, are effective the later of your employment date, the date you complete enrollment or upon underwriting approval, if necessary.

Dependents Life insurance

This coverage provides $10,000 or $20,000 of insurance on your spouse and $5,000 or $10,000 of insurance on each of your dependent children. Depending on the level of coverage chosen, the cost for you is between $1.80 or $3.60 per month, regardless of the number of dependents covered. The proceeds of the policy would be paid to you upon the death of your spouse or child.

Financial wellness

1% x years of participation2 Final average compensation3 Your total benefit

2. Maximum of 35 years of participation.3. Final average compensation above the average Social Security taxable wage based on your year

of birth will receive an additional .45 x years of participation.

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Financial wellness

Group Universal Life insurance/Variable Group Universal Life insurance

This coverage provides a way to supplement an existing insurance program with group life insurance protection. You may enroll for an amount up to four times your annual base salary. Your premium is based on your age, the amount of coverage selected, the premium rate and any contributions.

Group Critical Illness insurance (supplemental plan)

If you are diagnosed with one of the conditions covered in the policy and meet all policy requirements, Group Critical Illness insurance provides a cash payment directly to you regardless of income, expenses incurred or other insurance coverage. You can use the money you receive any way you want. Benefits are paid at a percentage of the amount of coverage elected. Your premium is based on your age and the amount of coverage selected.

Group Accident insurance (supplemental plan)

If you experience an accidental injury covered in the policy (such as fractures and dislocations), Group Accident insurance pays a lump sum benefit directly to you regardless of income, expenses incurred or other insurance coverage. You can use the money you receive any way you want. Benefits are paid at a percentage of the amount of coverage elected. Your premium is based the coverage type and amount of coverage selected.

Group Hospital Indemnity (supplemental plan)

If you experience a visit to a hospital, Group Hospital Indemnity insurance pays a lump sum benefit directly to you regardless of income, expenses incurred or other insurance coverage. You can use the money you receive any way you want. Benefits are paid at a percentage of the amount of coverage elected. Your premium is based on the coverage type and amount of coverage selected.

How to enrollPlease access LifeBenefit to enroll in any additional insurance protection plans after three weeks of hire.

Dependents Life, GUL and VGUL up to two times (2x) salary are guaranteed issue if enrolled within 31 days of hire. To elect a supplemental insurance plan(s), you need to enroll within 31 days of your hire date.

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Below you will find all the great extras available to you as a Securian Financial associate.

Tuition reimbursementEligibility: Full-time, Part-time Enhanced

This program covers tuition expenses, up to a maximum of $5,000 per calendar year, for credits which may be applied towards a two- or four-year degree. Graduate credits for courses related to an associate’s current job or next logical career move are also covered. New hires are eligible after 12 months of employment to be reimbursed for single courses and after three years of employment for a four-year degree program.

Adoption assistanceEligibility: Full-time, Part-time Enhanced and Base

The adoption assistance benefit provides reimbursement to eligible associates for qualifying expenses associated with the legal adoption of an eligible child. Associates are eligible upon their date of employment. Eligible associates receive 80 percent of eligible adoption expenses incurred, up to a maximum of $5,000 per adoption.

Commuter assistanceEligibility: St. Paul associates

Parking

Parking costs vary from $35 - $151, depending on the location and whether you choose an indoor ramp or outside lot.

Securian Financial has parking spots on-site which are offered on an availability basis. There are many other parking and transportation options, including Metro Transit, carpool and vanpool arrangements. Some costs can be payroll deducted on a pre-tax basis.

Metropass — bus pass

The Metropass program allows you unlimited monthly access on all regional, regular-route buses and trains through Metro Transit at a 30 percent discounted rate of $58 per month. As an added savings, the pass is paid monthly via pre-tax payroll deductions. New hires are eligible to participate upon hire.

Additional workplace benefits

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Additional workplace benefits

Go-To Card — bus pass

Securian Financial offers discount Twin Cities Metro Transit fares, which are payroll deducted on a pre-tax basis, up to $265 per month. New hires are eligible immediately for this benefit.

Bus pass type/full cost Associate cost

Stored value ($20.00) $19.50

Stored value ($40.00) $39.00

Stored value ($100.00) $97.50

31-day ($90.00/$2.50 fare) $88.50

31-day ($120/$3.25 fare) $118.00

Seminar programEligibility: All associates

Securian Financial offers several seminars each month to educate associates on the following topics: life balance, wellness/personal growth, parenting, associate benefit programs, relationships/family communication and household management. These seminars focus on application-oriented information and techniques that participants can use immediately.

Job posting programEligibility: All associates

Securian Financial has a strong promote-from-within philosophy, with a goal of 80 percent of non entry-level jobs being staffed by current associates. Generally, you would be eligible to apply for jobs in other departments after 12-18 months on the job, depending on your level. You may be considered for a promotion or transfer in your current area at any time with supervisory approval.

Matching gift programEligibility: Benefit eligible associates

Securian Financial’s Matching Gift Program, provided through the Securian Financial Foundation, encourages benefits-eligible associates to join in the financial support of educational, cultural and arts institutions and hospitals. Under the program, the Foundation will match dollar for dollar, individual gifts of at least $25 and totaling not more than $2,000 per associate per calendar year provided they meet the conditions of the plan.

Volunteer plus programEligibility: Benefit eligible associates

Securian Financial’s Volunteer Plus Program, funded by the Securian Financial Foundation, recognizes associates who volunteer their time and talents to eligible nonprofit organizations. Under the program, the Foundation will donate $100 to eligible nonprofit organizations where associates volunteer 50 hours of unpaid time within a 12-month period. All benefits-eligible associates may apply for a $100 donation to one organization each year.

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Additional workplace benefits

Scholarship programEligibility: All associates

With its strong commitment to higher education, Securian Financial established the President’s Scholarship Fund in 1985 and The Coleman Bloomfield Scholars Program in 1995. Through these programs, Securian Financial recognizes, supports and rewards the academic achievements of associates’ children.

Travel assistanceEligibility: All associates

Securian Financial’s travel assistance service is available in connection with our group life insurance plan and provided by Redpoint. Services are available 24/7/365 for emergency assistance and transport when traveling 100 or more miles away from home. Knowing help is just a call away reduces the stress and uncertainty of travel. Associates are eligible upon their date of employment.

Legal, financial and grief resourcesEligibility: All associates

Lifeworks provides you with access to legal, financial and grief resources. Some of these services include a free initial consultation with an attorney and discounted attorney rates, the ability to create legally valid wills and legal documents, access to download legal forms and view a vast library of legal information and resources for your reference. Access to short-term, solution- focused telephonic counseling that is confidential.

Employee Assistance ProgramEligibility: All associates

The Employee Assistance Program provides associates and their family members with short-term counseling services. This program puts you in contact with counseling professionals who can assist you with many personal issues that you and your family may face and offers other free resources that provide information and guidance.

Financial counselingEligibility: All associates

Advisors are available to assist you with questions about financial security and retirement planning. Connecting with an advisor from the Advisor Connection program or Customer Solutions Group can help you have peace of mind that you and your loved ones will be financially secure at all stages of life.

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Additional workplace benefits

The Work CaféEligibility: St. Paul associates

Associates receive a discount on food prices in the 400 Building cafeteria. In addition, associates have the option to have their food purchases automatically deducted from their paychecks. Our Work Café also offers informal meeting and working spaces with wi-fi access, projection monitors and ample power for charging your devices.

Service recognition programEligibility: All associates

The success and stability of Securian Financial depends on the efforts of each associate, day after day, year after year. Because you and the work you do are important, Securian Financial gives special recognition to those associates who have been with Securian Financial for a number of years.

Life balanceEligibility: All associates

In keeping with Securian Financial’s commitment to work/life balance, Securian Financial offers a variety of flexible workplace options such as modified work hours, part-time employment, job shares, leave without pay and telecommuting. Availability of these options varies depending on business needs. Talk to your leader about what might work for you.

Dress for your DayAssociates are to use their best judgment and consider their day when determining what to wear to work. At Securian Financial, we have “Dress for your Day.” Consider your day’s schedule, what is appropriate for your area and their leader’s expectations. In short, look professional in a way that is appropriate to your day.

Legal noticesIn your first couple of weeks as an associate, please visit Sync to review required Legal Notices.

Frequently asked questionsPlease review the FAQ on Sync for common answers you may have questions to.

Other workplace benefitsEligibility: All associates

As an associate of Securian Financial Group, you will also be eligible for other discounts and programs, such as:

• Mutual Fund Discounts

• Cellular Discount Program

• Toastmasters (at St. Paul Location)

• YMCA (at St. Paul Location)

• Weight Watchers (at St. Paul Location)

securian.com

400 Robert Street North, St. Paul, MN 55101-2098 ©2020 Securian Financial Group, Inc. All rights reserved.

F94568 3-2020

INSURANCEINVESTMENTSRETIREMENT

The plans/programs are sponsored by Securian Financial Group, Inc. for eligible associates and the associates of Securian Financial Group, Inc. subsidiaries/affiliates that have elected to participate in the plans. Associates of participating companies are eligible to participate in the plans under the same terms and conditions as if they were Securian Financial associates. Securian Financial reserves the right to change premium rates in future years and to amend or discontinue all or any part of these programs at any time. This information is intended as a general description of benefits available to associates. In all situations, the terms of each plan document will determine eligibility and any benefits payable under the plan.